WEALTH MANAGEMENT & GUIDANCE FOR PRE-EXIT OWNERS
Sell with meticulous intention.
Pre-Exit
When it comes to the sale of your company, you want to make your smartest play. But as offers roll in, it’s natural to second guess: Will I be able to maintain my lifestyle? How much is really enough? Am I selling too soon? What am I going to do next?
It would be gut-wrenching to look back with regret. Because it’s not only about a fair valuation; it’s about the pursuit of setting your family up for lifelong success (and maintaining a sizable bucket for your next entrepreneurial pursuit).
Hey, I’m Ryan.
I lead Goldfin Group, a wealth management firm for entrepreneurs. After selling a business I built, I know what it’s like for most of your net worth to be tied up in your company and how tempting it can be when the first offers start hitting your desk. It’s a lot to process, and I’d be honored to help.
As you can imagine, wealth managers may knock down your door after you sell, but that’s not our style. We treat you like you’re liquid before you’re liquid. It’s the only way we can help you plan for your preferred deal—one that goes beyond money and accounts for everything else that matters just as much.
HERE, WE REJECT OFF-THE-RACK PLANS DESIGNED BY OFF-THE-RACK ADVISORS; INSTEAD—
We help you define what’s most important to you, then tailor a solution to help you enjoy more of it for life.
It’s worth a conversation.
Go a little deeper.
If you want to continue our initial conversation, we’ll schedule time for you to share more about your circumstances and goals.
Get a path forward.
By the third time we talk, you’ll get a recommended number, and we’ll lay out a path to help you secure it.
At no point in these three calls will you commit to our service. In fact, even as our client, there are no contract periods. Your money is your money, so if we’ve not lived up to your expectations, we’ll make it right.
It can be hard to know who to trust. To give you a sense of how we serve, we promise:
Unwavering
confidentiality.
You can talk to anyone you want, but we’ll only be talking to you. Unless, of course, you ask us to coordinate professionals in related areas and filter advice with your big picture in mind. We love doing that!
Independent
guidance.
You won’t spot hidden commissions or backdoor deals; our sole motivation is to help you do what’s best for you. In fact, there are times we’ll tell you not to invest because we don’t buy into trends. We play a long game.
Unrestricted
access.
We sync up as often as we need to for anything related to finances. Expect consistently thoughtful feedback based on our history with you, our experience in the industry, and our real-time insight of the market.
You might still be wondering…
What type of advice can you offer?
If it has to do with finances, we have an educated stance. We help our clients in these areas and beyond:
Entrepreneurial decisions
- Guided self-assessment
- Leadership retreats (Goldfin Summit)
- Strategic planning and vision setting
Holistic financial health
- Cash flow planning
- Goals-based planning
- Insurance adequacy
- Estate planning strategies
- Tax planning strategies
- Debt management and optimization
- Liquidity planning
Personal growth & development
- Work-life balance strategies
- Encouraging life in accordance with personal values and principles
Business health & growth
- Identifying potential weak links in the business
What type of wealth management services do you offer?
We help our clients design and execute financial strategies that are as unique as they are. Here’s a long list of things we consider, and frankly, these are just the beginning.
Investments
- Customized portfolio creation based on individual risk tolerance, financial goals, and time horizon, including regular rebalancing to attempt to ensure alignment with target allocations and behavioral investment management during periods of market volatility.
- Alternative investments, including the assessment of non-traditional investment options (such as real estate and commodities) and also an ongoing evaluation of opportunities for diversification beyond standard securities.
- Tax-efficient investing, including implementing tax-harvesting strategies to potentially minimize tax liabilities, guidance on tax-advantaged investment vehicles and accounts, and strategies to manage taxable events during asset buying or selling.
- Income planning, including the assessment of current long-term assets and future needs, strategy development for attempted asset growth and protection, recommendations on account types based on individual situations, and Social Security planning (when you get there).
- Performance monitoring & reporting, including periodic performance reviews and detailed reporting, clear communication on portfolio changes, reasons behind decisions and expected outcomes, and transparency on fees, costs, and any potential conflicts of interest.
- Risk management, including evaluation of portfolio risks in line with global and local economic conditions and continuous monitoring for potential systematic or unsystematic risks that might impact the portfolio.
- Managing assets of aging parents, including assistance in reviewing and consolidating financial assets, strategic advice to attempt to ensure their long-term care needs are met and assets are used judiciously, help navigating complex financial situations (such as selling real estate or managing trusts), and ensuring a smooth transition of wealth while minimizing potential family conflicts.
Financial planning
- Tax saving strategies
- Estate planning strategies
- Personalized planning for unique goals
Proactive planning sessions (PPS) 2x/year
- Short, semi-annual, agenda-driven reviews
- Tax-saving opportunities and legislative updates
- Goal alignment and reassessment
Customized workshops & training
- Tailored sessions based on client needs, ranging from business development to personal financial management
What else is included in your support?
We offer generous access to:
Your wealth manager (Ryan)
- as needed by phone or video
- in person usually 1x/year
Networks
- A community of like-minded entrepreneurs
- Referral opportunities within the entrepreneurial ecosystem
Relevant professionals
- Introductions to vetted M&A attorneys, investment bankers, business coaches, CPAs, estate attorneys, etc.
- Goldfin Group’s cultivated list of trusted experts on non-business/financial industries
Goldfin summits & workshops
- Exclusive invitations to events focusing on entrepreneurs’ unique challenges and opportunities
- Opportunities to network, learn, and grow in a curated environment
Where is my money held?
We’ve partnered with Charles Schwab to be the custodian for our client accounts. They are the company that holds on to your assets. We chose Charles Schwab, in part because they are one of the nation’s largest publicly traded investment services firm. They are even more prominent with the completion of their acquisition of TD Ameritrade in late 2023.
For deposits, checks are made payable to Charles Schwab and deposited directly with Charles Schwab via mail or check scanning. Goldfin Group does not maintain custody of client assets.
Please read this from their “How Schwab Protects Your Assets” report, which can be found here.
For more information about account protection, visit: https://www.schwab.com/legal/account-protection
Have another question? Please reach out.
Your spidey
senses are
spot on.
When it comes to the sale of your business, the hesitancy you feel is a healthy protection mechanism. Without sound guidance, you may be risking a lot—selling too low, selling too soon, waiting too long, or trusting too much.
But with the right deal, you get to have what we coined as the “Goldfin Moment”… when the money is finally in the bank, and you’re officially free to go after whatever is calling you next.